one of the foundations of our short term borrow pentagon. >> maybe it was a problem she thinks needs to be fixed but a lot of people in the industry think it doesn't need to be fixed, specifically the idea of pricing that could go day to day and off the dollar. priced at the market. >> exactly. they're talk about a floating map that doesn't work. if you move $2.7 trillion in assets to the bank's balance sheet, it could be an opaque marker. therefore maybe there's some type of reform necessary but not as far as she wanted. we're very interested to see what miss walter will do in the interim until theed a miss appoints a new -- >> why is that floating nab such a big thing? why do i care if it's 99.96 cents or it's 100.06 cents? >> great question. loss of principal. you put in $1 million overnight and you get that .996 overnight, you don't have a million dollars. investors won't utilize that investing tool anymore. it has to be preservation of capital and liquidity. that's what money funds are all about. >> they'd rather earn less at a bank than -- >> yes. >> -- than the other thing. >>